There have been many articles written about the Lifetime Savings ISA (LISA) - due to launch in April 2017; I have contributed to the debate with a number of posts myself.

Some are maligning it, others believing it to be the saviour to jump start young people's savings plans.

Whatever the perspective, one thing is certain, if you don't understand it and you don't read the small print, then there may well be trouble ahead, particularly in the first year and when transferring a Help to Buy ISA to the LISA.

This article highlights some scenarios where the full 25% government bonus may not be paid and for those thinking of the LISA, for those with children about to start saving into a LISA, it is well worth reading.